Ultimately, I'm shooting for a fairly comprehensive 12 sections with various calculations from the book to benchmark my operation of my properties.

As compared to a regular policy, that is ok with STR, in conjunction with AirBNB/VRBO coverage and my umbrella insurance for liability.  

I am also considering switching coverage to actual cash value.  

It is very comprehensive but it is more expense.

Insurance Cost = DSCR ImpactFor rental properties, higher insurance costs directly affect cash flow.If the debt service coverage gets tight, it could impact:Loan approvalLoan amountRequired reserves3.

It gives a comprehensive report of credit, any record, employment history, etc and gives a good "on paper" look of potential tenants.

Having a personal umbrella with each LLC listed as an additional insured can be cheaper, but it may not provide the same level of coverage in the event of a liability claim against the LLC.

I’ve been spending time mapping parcels, zoning overlays, flood data, and utility corridors at the county level, mainly to understand where growth signals show up before listings do.Right now I’m focused on land and commercial-adjacent opportunities and learning how experienced investors track rezoning, comprehensive plans, and infrastructure expansion.Not selling anything — just here to learn, listen, and connect with others who think upstream.Looking forward to learning from the community.

I have paid for renters insurance on behalf of tenants a few times because it's so important for the tenants to have that coverage.

• Has anyone successfully structured coverage for sewer/septic backup liability?